Who qualifies for Medicare?

Generally you have to be 65 to be eligible for Medicare. However there are certain diseases that may qualify you before you turn 65. If you have End-Stage Renal Disease (ESRD) or ALS you may qualify for some Medicare benefits sooner.

Am I automatically enrolled in Medicare at 65?

If you are on social security then yes you’ll be automatically enrolled. Otherwise you have to enroll for yourself during your initial enrollment period (IEP). This is three months before you turn 65, and the 3 months after.

Does Medicare come out of my social security check?

Yes, if you are enrolled in Medicare Part B and have Social Security then your premium will be automatically taken out of your social security check.

Is Medicare based on your income?

Yes, Medicare premiums are based on your modified adjusted gross income (MAGI). This is your total adjusted gross income in addition to any tax-exempt interests.

What does Medicare pay for?

Part A covers your hospital insurance. This is your inpatient hospital care, skilled nursing facility, hospice, lab tests, surgeries, or even home health care. Part B is in charge of your general medical needs such as doctor’s visits, medical equipment, and preventative services.

Since Original Medicare doesn’t cover everything, how do I fill in the gaps?

Medicare supplement plans do exactly that. You can enroll in a Medicare supplement plan once you’ve enrolled in Medicare Part A and B. These plans offer coverage for a variety of different gaps in coverage to help you tailor your plan to your needs.

If I sign up during my IEP will benefits immediately kick in?

If you enroll during the first three months of your IEP, your benefits kick in the month you turn 65. If you sign up in your birthday month, then your benefits start the first of the following month. However, if you sign up after your birthday month you can end up waiting 2 to 3 months for coverage.

Does Medicare cover substance abuse?

Medicare will pay for both inpatient and outpatient care for a substance use disorder (SUD), depending on the situation. However, there are some big holes in the coverage. Part B will pay for some basic screenings and outpatient care. While Part A will cover a hospital stay for an SUD that has gotten bad enough to require hospital care. But there is a wide variety of treatments and medications for drug use that won’t be covered.

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Original Medicare

Original Medicare is the federal insurance program that provides guaranteed healthcare coverage for people 65 and older, as well as younger people who qualify due to a disability. It was created to ensure healthcare coverage and financial stability for our nation’s older and more vulnerable populations. Medicare itself has four parts: Part A, Part B, […]

Medicare Part B

Turning 65 means that you’ll be able to enroll in Medicare, the federal government’s healthcare program for older adults and those with disabilities and take advantage of all of the benefits it has to offer. However, there is a lot you need to know about Medicare Part B. So, you can get the most out […]

Critical Illness & Cancer Plans

It is impossible to predict the future, and because of that there are many different types of supplemental insurance available. One type of supplemental insurance is critical illness insurance (sometimes called catastrophic illness insurance) or cancer insurance, does exactly that. If you are diagnosed with a serious illness, like cancer, or have a heart attack […]

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Original Medicare

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